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18.12.2014
Increasing counseling capacity and providing certified training programs to foreclosure counselors through the NeighborWorks® Center for Homeownership Education and Counseling. Conducting research to better understand the complexities surrounding foreclosure and to advise on potential solutions. Experienced bilingual advisors available to answer all foreclosure and short sale questions free of cost to Miami residents and non-residents.
An established group of South Florida real estate professionals, led by Alfredo Vizcarrondo, have joined together to form a non-profit counseling center called AV Counseling Services. The decision to form AV Counseling Services was based upon the increasing need for free, professional advice to avoid the serious consequences of foreclosure. AV Counseling Group, a non-profit sector of AV Group, is a counseling center directed by highly specialized real estate professionals.
AV Counseling Services is a non-profit organization dedicated to educating South Florida home owners on the foreclosure and short sale process. Reach out to the author: contact and available social following information is listed in the top-right of all news releases. You can breath easier when contacting a bankruptcy and foreclosure attorney such Francisco Ceiza , esq.as part of your first steps toward easing your financial burdens. If you have received legal papers notifying you foreclosure procedures have been initiated, it is normal to feel a sense of hopelessness. Bankruptcy is an important legal right and cannot be ignored as a strategy available to allow an individual to get a fresh start. The most important issue to realize about credit card debt is that it is not insurmountable.
A mortgage foreclosure is the remedy available to the lender when a borrower defaults on a loan secured by a mortgage.
Up until the home is sold at auction and a certificate of title passes to the new purchaser, the home is still owned solely by the individuals on title to the property, usually the borrower(s). There are also numerous other defenses available to homeowners, which can be used on their own or in conjunction with each other to help defend your case. A solid defense to a foreclosure action will also buy the borrower more time in situations where the borrower may be struggling economically. Do not simply walk away from your home because you were unable to make your mortgage payments. Call now for a free 30 minute consultation over the telephone to see if our services are right for you.
Michael has been with Efficient Enterprises Inc since May 2009 and is the creative and design powerhouse behind our companies' online brands. The center, which officially opens to the public on Wednesday, December 16, 2009, will offer free, professional foreclosure and short sale advice and honest guidance.


Founder Alfredo Vizcarrondo has vast experience working with foreign clients and non-residents, and is able to facilitate and simplify necessary procedures for added convenience. When a borrower signs a promissory note (the instrument documenting a borrower’s promise to repay a lender) in a real estate transaction involving a home, that promissory note is secured by a mortgage. Like any other lawsuit, the lender needs to prove their case against the borrower and the borrower is entitled to defend against the action and obligate the lender to prove its case in its entirety.
Although too detailed to explain in depth here, you can find a list of some other possible defenses below. Generally, you are given 20 days to respond to your complaint and present all these defenses.
By properly defending your case and setting up roadblocks to stall the Plaintiff’s efforts to sell your home, the Plaintiff will be much more inclined to modify your mortgage or find some other alternative to foreclosure. Nick is a graduate of Tulane University, and resides in his hometown of New Orleans, Louisiana.
Additionally, he has completed the Neighborhood Works America training and certification – a national program created by Congress, which is designed to create opportunities for people to live in affordable homes, improve their lives and strengthen their communities. We can assist you with bankruptcy, foreclosure, repossessions, credit card defense and loan modifications.
In other words, the promissory note outlines the debt and promise to repay the lender, while the mortgage secures that note in the event the borrower defaults, allowing the lender to foreclose the home and have it sold at auction. In recent years, the mortgage industry has thrived by allowing mortgages to be purchased and sold in the secondary mortgage market.
Recent efforts to unclog court dockets have caused foreclosure actions to move along much more rapidly than in the past—a couple of years ago a foreclosure lawsuit could have lasted years, today, a borrower may lose his home in no time at all. If you fail to respond, a default judgment will be entered against you and you will no longer be able to defend against your case unless you manage to appear before the judge and get the default judgment vacated.
The longer the foreclosure action is pending and the stronger the defenses presented against the Plaintiff are, the more money it is costing the Plaintiff and the greater the likelihood that the Plaintiff will work out a resolution with you. Also, due to the income requirements associated with filing a Chapter 13 bankruptcy to save your home, a proper foreclosure defense can buy the borrower with enough time to meet the income demands associated with a Chapter 13 bankruptcy repayment plan.
NHSIE is hosting various Foreclosure Intervention Orientations in Riverside and San Bernardino Counties in efforts to assist, better, and preserve our communities. If you do not want your identity connected to comments on this site, please refrain from commenting or use a handle or alias instead of your real name.
The lender is then entitled to the proceeds of that auction sale up to the amount that is owed to the lender, any surplus belongs to the borrower.
As a result, a mortgage may transfer from one lender to another or may even be pooled into a securitized trust containing numerous mortgage loans. In a worst-case scenario, where the home is lost to a foreclosure auction, a strong foreclosure defense also results in a more profitable outcome for the borrower.


In November 2009 alone, lenders filed more than 7,000 notices against property owners in Palm Beach, Broward and Miami-Dade counties, according to report from Condo Vultures. A good attorney could potentially help you better understand your options and position you for financial recovery.
However, in todays upside down real estate market, odds are the home will sell at auction for less than what is owed to the lender. This is why, many times, the Plaintiff in a mortgage foreclosure action is not the original mortgage lender. A strong defense to a foreclosure action can delay a foreclosure lawsuit for several months and even years.
In fact, South Florida is on pace for nearly 97,000 foreclosure filings this year, up from 75,000 in 2008.
In that event, the lender maintains the right to sue the borrower for the remaining balance and obtain what is called a deficiency judgment. Consequently, if a Plaintiff is not the original mortgage lender on the promissory note, they have to prove their ownership rights to the promissory note and their ability to foreclose on your home. Because the borrower is no longer making mortgage payments during that time, the borrower has the luxury of saving his money for an extended period of time while the lawsuit is pending.
Furthermore, they have to prove that each and every transfer was correctly and timely made.
For example, if a borrower can save $1,000 a month because he is not paying his mortgage and he fails to properly defend against the foreclosure action and the home is sold at auction in four months, the borrower was only able to save up $4,000. Recent investigations have revealed thousands of instances of fraudulent transfers and improper foreclosure actions.
On the other hand, if the borrower aggressively defends the action and the home is lost in fifteen months, the borrower was able to save $15,000!
She has managed and trained up to 80 employees in caring for business marketing needs, writing internet advertisement copy, consultative sales strategies, customer service, professional communication, time management, and day-to-day operation. Not only do Plaintiff’s have to prove their rights to sue on the promissory note that was originally executed, but they have to prove that they, along with previous holders of the promissory note (if the promissory note was transferred), abided by state and federal consumer protection and civil procedure rules and laws in order to be allowed to foreclose on a borrower’s home. Even when the home is lost, it is almost always more profitable to hire a Miami Dade County foreclosure defense lawyer or attorney to represent your rights.



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Comments to «Free foreclosure help in south carolina 0-21»

  1. Alinka writes:
    Rental agreement??that the property is in foreclosure and that, in the event the can use.
  2. GULAY writes:
    Penalties - twice the value of comparable homes the area did not decline.